
Listen to episode 30 of our Good Money Moves podcast, which covers certificates of deposit in depth! We do our best to provide helpful. Negotiable certificates of deposit are CDs with a minimum face value of $, · They are guaranteed by banks, cannot be redeemed before their maturation date. Before the introduction of the negotiable CD, those with money to invest for,say, one month had no incentive to deposit it with a bank, for they would earn a.